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						    	      																		www.FinancialCoachingNow.com																					USA	FREE

Ask	Yourself...

     DO YOU HAVE YOUR MONEY OR
          DOES IT HAVE YOU?

         	The Top 3 MISTAKES that SABOTAGE Your Finances

	    With

	    Tony Donnino
	    Co-Founder	of:
	    Financial Coaching Now
	    and	mentor	to	those	who	want	to:	
	    Live Debt Free!


                         Imagine...
                        Becoming	debt-free
                     Paying	cash	for	vacations
           Having	a	plan	for	your	child’s	college	education
                   Being	prepared	for	retirement
             Being secure with your financial situation

                           Tony	can	get	you	there!
                            Financial	Coaching	Now	is	a	group	of	profes-
                            sional	Financial	Coaches	who	assist	individu-
                            als,	families	and	businesses	in	how	to	alleviate	
                            debt,	invest	wisely	and	achieve	personal	and	
                            corporate	goals.		Our	coaches	are	well	trained	
                            and	truly	care	about	the	success	of	each	and	
                            every	client,	no	matter	how	big	or	small.

                            Tony	Donnino,	Co-Founder	of	Financial	
                            Coaching	Now	is	recognized	as	a	leading	au-
                            thority on Personal finance for Individuals,
                            Families	and	Small	Businesses.		His	mission	is	
to	teach	
others	how	to	break	free	of	the	“DEBT	TRAP”	and	successfully	transition	
to	a	life	of	fullness	in	learning	how	to	manage	their	money	so	it	no	longer	
manages	them.

Tony	is	a	graduate	of	Financial	Peace	University	and	a	Dave	Ramsey	Cer-
tified Financial Coach and is proudly recommended by Dave Ramsey’s
team	as	one	of	the	top	coaches	in	South	Florida.		He	has	helped	many	
people	change	their	lives	forever	by	using	rock	solid	principles	and	a	
common sense approach to financial freedom.

Tony	is	following	his	passion	of	seeing	people	change	their	lives	forever.		
He has experienced first hand the principles he has been taught and he is
proudly	debt	free.		He	wants	everyone	to	experience	the	joy	and	peace	he	
now	enjoys.		He	uses	his	struggles	and	triumphs	to	help	others	overcome	
the challenges in their lives and get on the road to financial peace.



                        www.FinancialCoachingNow.com
 The	Top	3	Mistakes	That	Sabotage	Your	Finances



                        Even If You’ve Been Guilty Of
                         Participating in these Top 3
                                 Mistakes...

                    I’ll show you step-by-step how to
                      stop your Financial Bleeding -
                   no matter how hard you have tried
                                 before...

Dear	Friend,

Of	course,	you	want	to	get	out	of	debt,	increase	your	wealth	and	retire	with	dignity.		But	you’ve	
tried	so	many	programs	or	services	that	you	don’t	know	who	or	what	to	believe	anymore.		You	
just want the financial bleeding to stop more than anything else, and you should!

That’s	where	I	come	in.		My	name	is	Tony	Donnino	and	I’m	the	co-founder	of	Financial	Coach-
ing	Now.

See	if	this	sounds	familiar...

“The financial problems we are facing are very challenging and this is a difficult period. We are
overwhelmed and do not know where to turn.”			Virgina Morabito Boynton Beach, Florida

Then	after	becoming	a	client	and	applying	the	proven	strategies,	this	same	person	has	this	to	report:

“We would like to express our gratitude to you for providing us with your professional guidance.
After our initial meeting with you, we began to realize that there is light at the end of
the tunnel and that our situation is resolvable. Your strategy to make a better financial life and a
secure future is extremely thorough and precise. You gave us the courage to address our creditors
directly. In less than 3 months we are now half way to abolishing our debt. It is our pleasure to
recommend your services to anyone who is in need of sound financial advice.

-Virgina Morabito Boynton Beach, Florida

Yes,	that’s	all	it	took!


                           And it can work for you...
I	know,	because	it	has	worked	for	thousands	of	people	(including	myself)	just	like	you.
However,	I	don’t	expect	you	to	believe	me	until	you	see	even	more	proof.

Don’t	just	take	my	work	for	it	-	check	out	these	real-life	examples:

“The financial stress was killing me. Sleepless nights, short tempers and daily fights with my
wife and kids. It all seamed so hopeless that I just wanted to die! Then with Tony’s help I
was able to see the light and turn things around. He showed me how to pay for what’s important
and when to pay everything else. Now I’m in control of my finances. I answer the phone, and
now know what to say to a bill collector. Tony has even given my son advice (who is in college)
and he is starting off on the right foot . If you have more month at the end of the money, you can’t
afford not to talk to him. You will get your life back.” - Chris Kerslake Lakewood, New Jersey


“In a short time, I saved my $1000 emergency fund. Once I had that feeling of security in the
bank, I felt so much better! I was beginning to feel the peace in my life. The biggest thing that
Tony taught me was dealing with the collectors. Once you know what to do, it’s not that hard at
all. Now I am carefully choosing which creditor to pay and how much I want to pay them. I
can’t thank Tony and Frank enough for the knowledge they have given me. I have money in the
bank for the first time in my life. Now I can sleep nights!”
- Autumn Shimer Boynton Beach, Florida

“You have helped me get through the toughest times here and your plan is going to work for me.
Mike has paid off 4 or 5 cards already and he is waiting for his tax return to pay more and has
an emergency fund too. It truly is awesome!” - Angela D, Lake Worth, Florida

I	promise	your	situation	is	not	unique.		And	more	importantly	your	situation	is	NOT	hopeless.

The	big	problem	is	that	people	who	suffer	from	debt	have	bought	into	the	Debt	myths	encour-
aged	by	the	media	and	credit	card	industry.
Here	are	just	a	few	mistakes	about	Debt	that             problem;		it	is	the	symptom.		Debt	is	the	
will	never	get	you	the	results	you	want:                 symptom	of	overspending	and	under	saving.
                                                         Financial	Coaching	Now	will	not	recommend	debt
	      Mistake #1:		Debt	is	a	necessary	instrument       consolidation	for	a	client.		Why?		Because
	      to	create	wealth.                                 debt consolidation doesn’t work. The	simple	
                                                         TRUTH is that this is a financial BEHAVIOR
	      FACT:		The	cold	hard	FACT	is	that	Debt		 					    issue	and	Debt	Consolidation	is	a	band	aid	that	
	      adds	way	too	much	UNNECESSARY	Risk	               does	not	deal	directly	with	the	core	issue	of	
	      to	Your	Financial	Future	and	it	absolutely		 	    behavior.
	      DOES	NOT	create	wealth	for	you,	but	it	does		     	
	      create	wealth	for	the	Debt	and	Credit	Card	       Wouldn’t	you	agree	that	it’s	crazy	to	think	you’ll	
	      Companies.                                        get	different	results	if	you	keep	doing	the	same	
                                                         thing	over	and	over	again?		If	I	keep	touching	a	
                                                         hot	stove	and	kept	getting	burned	-	I’d	be	silly	to	
        “Debt Consolidation Doesn’t Work.                think	the	next	time	I	touch	that	hot	stove	I	won’t	
    The simple TRUTH is that this is a financial         get	burnt.
            BEHAVIOR issue and Debt
            Consolidation is a band aid                  That’s	why	you	need	to	try	something	different....
          that does not deal directly with
                                                         Here’s How Financial Coaching Now Can Help
            the core issue of behavior.”
                                                         You Get on the Path to Financial Peace Start-
                                                         ing Today...

	      Mistake #2:		Debt	Management	Companies	           I’ve	designed	a	Coaching	Service	called	
	      will	make	my	debt	situation	improve	by	           “Debt-Free	Coaching”	that	gives	you	step-by-step	
	      negotiating	lower	payments	with	creditors.        instructions	for	eliminating	debt	with	proven	
                                                         principles,	not	gimmicks.		It’s	different	than	
	      FACT: 	You	will	get	out	of	debt,	but	with	a	      anything else on personal finance you’ve seen.
	      COSTLY	price	that	will	have	devastating	          This	program	has	taken	several	years	to	develop.
	      results.		Debt	Management	Companies	like
	      AmeriDebt	and	Consumer	Credit	Counseling          Here Are Just a Few of the Breakthrough
	      Service	can	help	you	get	better	interest	rates	   Principles From “Debt-Free Coaching” You
	      and	lower	payments,	but	at	a	PRICE	that	is	       will Receive:
	      simply	STUPID!		Here’s	the	deal:		When	you
	      use	one	of	these	companies	and	then	try	to	       -	You	will	have	a	budget	that	addresses	“REAL	
	      get	a	Conventional,	FHA,	or	VA	loan,	you	         LIFE”	issues	that	WORKS!!!
       will be treated the same as if you filed a
	      Chapter	13	bankruptcy.		Mortgage	                 - You will understand financial matters CLEARLY
	      underwriting	guidelines	for	traditional	
	      mortgages	deem	your	credit	trashed,	so	           - You will have a personal financial STRATEGY
	      “Run	Like	The	Wind”	from	these	companies.
                                                         -	You	will	save	money	like	never	before
	      Mistake #3:		Debt	Consolidation	is	ok
	      because	you	will	have	a	smaller	payment.          -	You	will	spend	money	with	a	PURPOSE

	      FACT:	Debt	Consolidation	is	
	      DISASTEROUS	because	you	are	only	
	      dealing	with	the	symptom.		Larry	Burkett,	
       noted financial author, says debt is not the
-	You	will	have	ACCOUNTABILITY	from	a		
  Certified Financial Coach endorsed by Best            “John & I would like to take this oppor-
Selling		Author	and	Radio	and	Fox	Business	News         tunity to Thank you both for living the Dave
Host	of	the	“Dave Ramsey Show”, Dave Ramsey
                                                        Ramsey way to get out of Debt. John &
-	Plus	much,	much	more!                                 I lived a stressful life, check to check
                                                        where our money was not enough to pay
Ok, So What’s the Cost for this Incredible              our monthly bills. You has changed our lives
Service?                                                tremendously! Under this program we have
                                                        learned how to budget and save money. We
Let’s	do	a	quick	comparison	-	last	time	I	checked,	
                                                        have completed baby step one $1000.00
a personal financial coaching session would set
you	back	as	much	as	$695.00.		Or	you	could	pay	         Emergency fund. We have started baby step
as	much	as	$995	for	a	FULL	SERVICE	Financial	           two, we were able to pay $28,000.00 in
Coaching		Session.                                      credit cards which now we have one credit
                                                        card left, equity line of credit & mortgage to
The	other	option	is	for	you	to	shell	out	$100’s	or	     pay. John & I have not used a credit card
more	buying	up	all	kinds	of	expensive	Financial	
                                                        since December, 2008! Such a great
books	that	will	most	likely	only	sit	on	your	shelf	
gathering	dust.                                         feeling to only carry debit cards & cash. We
                                                        have learned by paying cash you think twice
Frankly,	none	of	these	options	really	seemed	fair	to	   before you spend it. No more bill collec-
me. So I figured out a way to provide you with a        tors calling and hassling over the phone,
real	bargain	and	a	“No-Brainer”...                      No more tons of credit card bills in the mail
                                                        - Wow what a great feeling! Frank & Tony
I’m so confident in this valuable LIFE CHANG-
ING Service that I am offering you a FREE 30            are two great financial counselors always
Minute PERSONAL One - on - One                          there to advise and help you understand any
Consultation! ($150 Value)                              financial problem that arises.

Why	would	I	offer	you	this	FREE GIFT?                   - John & Rosa Clark
Because	I	have	been	in	your	shoes	not	knowing	
where	to	turn	for	HONEST	and	Professional	help	
from qualified individuals. I truly want to help you
with your current financial situation so you can see
that	there	actually	is	a	way	to	deal	with	money	and	
discover	how	to	manage	money	instead	of	it	allow-
ing	it	to	manage	you.



                                                        So	what	are	you	waiting	for?		
                                                        Go to www.FinancialCoachingNow.com	and	click	
                                                        on	the	Special	Offer	for	a	FREE 30 Minute
                                                        PERSONAL One - on - One session.
P.S.		If	you	continue	to	handle	your	money	the	same	way,	you	are	going	to	get	the	same	results.		What	I	am	of-
fering you is the easiest, most risk free way to try our service so you can see for yourself how our scientifically
developed techniques and proven methods can help you increase your wealth, improve your financial life and
help	you	achieve	the	Debt-Free lifestyle you have always wanted. Remember,


“Procrastination IS THE BEHAVIOR of THE POOR!”
P.S.S. Listen to what clients are saying who are applying the PROVEN Financial Principles taught by Financial
Coaching Now:


“The financial stress was killing me. Sleepless nights, short tempers and daily fights with my
wife and kids. It all seamed so hopeless that I just wanted to die! Then with Tony’s help I
was able to see the light and turn things around. He showed me how to pay for what’s important
and when to pay everything else. Now I’m in control of my finances. I answer the phone, and
now know what to say to a bill collector. That in itself it worth the advice he gave me. Tony has
even given my son advice (who is in college) and he is starting off on the right foot. If you have
more month at the end of the money, you can’t afford not to talk to Tony. You will get your life
back.” - Chris Kerslake Lakewood, New Jersey




    RECEIVE A FREE 30 MINUTE SESSION
    With	Tony	Donnino	of	Financial	Coaching	Now	

                                                  Go to
                                       	
                          www.FinancialCoachingNow.com

                    To	receive	your	FREE	30	Minute	session

				
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